Better Than Free Checking Accounts
Earn high yield interest¹ or cash back rewards² with these free checking accounts.
Why Choose Neighborhood Credit Union
Free Checking Account
Earn Rewards Everyday
ATM Fee Refunds¹
Free Debit Card & Mobile App
Cash Back CheckingCash Back Rewards |
| A free debit account that earns you cash back. |
| Minimum Opening Deposit: $25 |
| Earn Rewards: Earn 3% cash back on all purchases for a max of $6 each month when you qualify.³ |
| ATM Fee Refunds: Up to $15 per month.³ |
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Good to Know: No minimum balance required. My Rewards Debit Card that earns MyPoints, mobile app, mobile wallet, and courtesy pay.‡
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High Yield Checking0.01%-4.00% APY1 |
| A free debit account that earns high yield interest and MyPoints. Calculate Your Potential Rewards |
| Minimum Opening Deposit: $100 |
| Earn Rewards: Earn 4.00% APY interest on up to $50,000 account balance each month when you qualify.¹ |
| ATM Fee Refunds: Up to $15 per month.¹ |
| Good to Know: No minimum balance required. My Rewards Debit Card that earns MyPoints, mobile app, mobile wallet, and courtesy pay.‡ |
My Rewards Debit Cards
Join our exclusive members-only rewards program! Earn points every time you shop with your My Rewards® Gold or Platinum Debit Cards. Spend $100 using your eligible Neighborhood Credit Union Visa Debit Card and accumulate MyPoints redeemable for fantastic prizes!4
All Neighborhood Credit Union accounts feature:
Upgrade to My Rewards® Premium Debit Cards
Join our exclusive members-only MyPoints Rewards program! Earn up to 3x more points every time you swipe your My Rewards® Gold or Platinum Debit Cards. Get rewarded for everyday purchases and accumulate points redeemable for prizes, trips, and gift cards!♦
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It's a fast, secure, and straightforward method to send and request money. Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution so you can skip the hassle of visiting an ATM or dealing with cash.
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Get paid up to 2 days early.**
Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.
**Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Refer Friends For Rewards
Whenever you refer friends who do not have a membership with us, you'll both be rewarded when they open a new checking account.
Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Send Money with Zelle®
Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Compare all of our checking accounts side by side.
Click the "Compare Accounts" button to explore in-depth.
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| Account Type | Summary | ATM Refunds* | High Yield Interest APY§ | Opening Deposit | Monthly Fee |
|---|---|---|---|---|---|
| Kasasa® Cash |
Free checking with high-yield interest.
|
Yes | 0.01% - 4.00% | $100 | $0 |
| Kasasa® Cash Back |
Free checking with cash back rewards.
|
Yes | No | $25 | $0 |
| Choice™ |
Identity protection and cash back merchant rewards.
|
No | No | $25 | $10.50 |
| Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
|
No | No | $25 | $20 |
§APY = Annual percentage yield
*Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.
MyNCU Mobile App
Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.
Calculate your High Yield Checking Interest Rewards
What is your average checking account balance?
What funds from other accounts could you add to earn more money?
How many times a month do you use another bank's ATM?
Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the High Yield Checking product to illustrate the benefits of the 4.00% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
$0.00
Estimated Monthly Rewards
$0.00
Estimated ATM Fees Refunded
0
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Refer a Friend, Earn $100 Cash
Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto or Personal loan, you can receive $100.00 when the loan has been funded!*
Frequently Asked Questions
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Complete the following requirements each Qualification Cycle† to qualify for rewards for your High Yield or Cash Back checking account:
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND ACH direct deposits that total $500 post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
Yes, click here to download the MyNCU Mobile App for iOS or Android.
You're eligible if you live in the state of Texas! And you can qualify even if you have a family member that does.
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window) and convenience services(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window).
1APY = Annual Percentage Yield. High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 4.00%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.00% to 1.40% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
2ATM Withdrawal Fees: If qualifications are met each monthly qualification cycle domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle.
³Cash Back Checking qualifications that must be met to obtain cash back rewards and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement cycle = first day of month through last day of month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $200 for a total of $6 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
4 My Rewards® Gold or Platinum Debit Cards: Base amount of points earned for purchases using the basic Neighborhood Credit Union Debit Card is 1 point per $100 for signature or PIN based card transactions.
†Qualification Cycle = the first day of the month through the last day of the month.
‡Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide(Opens in a new Window) here.